General Liability: Who is an Insured?

| Business Insurance, General Liability Insurance.

In a commercial general liability policy, the named insured is the person or organization that is specifically listed as the owner or policyholder on the declarations page. Beyond that specifically described named insured, the general liability coverage form also grants insured status to a number of other persons and entities. Knowing who is an insured… Read more »

Carpet Cleaner Insurance Myths

| Business Insurance, General Liability Insurance, Workers Compensation Insurance.

Finding the right carpet cleaner insurance should not be a difficult process.  For 20 years, the team at Safeguard Insurance has worked with dozens of carpet cleaners small and large to provide affordable business insurance solutions. Our mission is to provide your business with the appropriate insurance coverage at the best possible price. To help… Read more »

Handyman Insurance Myths

| Business Insurance, General Liability Insurance.

Finding the best insurance for your handyman business does not need to be a complicated and time-consuming process. At Safeguard Insurance we write all types of business insurance for handyman operations including general liability, workers compensation, and commercial auto. To make sure you find the right policy, here are some handyman insurance myths to consider… Read more »

Understand General Liability Exclusions

| General Liability Insurance, Insurance Claims, Insurance education.

The commercial general liability (CGL) policy provides remarkably broad coverage for property damage and bodily injury claims. As with all insurance policies, understanding what is not covered is just as important as understanding what is covered. Because the CGL policy is the foundation of most business insurance plans, it is critical to understand general liability… Read more »

Types of Contractor Insurance

| Agency Customers, Contractor insurance, General Liability Insurance, Insurance education, Risk Management, Umbrella Liability, Workers Compensation Insurance.

Contractors face a myriad of risks and require a customized business insurance program. There are many types of contractor insurance that should be considered. Fortunately, the professional agents at Safeguard Insurance have been working with contractors, large and small, for nearly 20 years. We can help contractors find the right insurance coverage, at the right… Read more »

Landlord Additional Insured Endorsement

| Additional Insured, General Liability Insurance, Landlord Insurance.

Landlords and building owners commonly require tenants to name them as additional insured. The landlord additional insured endorsement, along with the lease indemnity agreement, is designed to protect the building owner from liability claims that result from the tenant’s activities. The standard additional insured endorsement commonly issued to landlords (ISO CG2011) has recently been revised…. Read more »

5 Contractor Insurance Tips

| Business Insurance, Commercial Umbrella, Contractor insurance, General Liability Insurance, Insurance education.

Like many industries, contractors have very specialized business insurance needs. When choosing an insurance provider, contractors would be well served to work with an agent that understand their industry. Here are 5 contractor insurance tips to make sure you have the right coverage for your business. Understand additional insured endorsements. There are dozens of additional… Read more »

Understand Convenience Store Insurance

| Business Insurance, Garage Insurance, General Liability Insurance.

Convenience stores are a growth industry.   In 2014 the number of c-stores increased to nearly 153,000 across the US, about 1% more than 2013.   Even better, convenience stores continue to be a “mom and pop” small business with 63% owned by single-store operators.   To run a successful c-store or gas station, you… Read more »

Products Liability versus General Liability

| Agency Customers, Blog, Business Insurance, General Liability Insurance.

Most businesses involved in manufacturing know they need to purchase products liability coverage. When providing products liability insurance quotes, we are often asked about the difference between products liability versus general liability. Products Liability versus General Liability In reality, products liability (or product liability) is a component of general liability insurance. Unless otherwise excluded, a… Read more »

Small Business Insurance Tips

| Agency Customers, Business Income, Business Insurance, Commercial Property Insurance, Commercial Umbrella, General Liability Insurance, Insurance education.

At Safeguard Insurance, we love small business. After all, we are family-owned small business ourselves. Our owners have lived in Las Vegas since 1975 and been involved in several small businesses over the decades. We understand the needs of small business owners and, most of all, we know small business insurance. Our goal is to… Read more »

Nevada construction insurance for all types of contractors

| Bonding, Business Insurance, Commercial Auto Insurance, Commercial Property Insurance, Commercial Umbrella, Contract Surety, General Liability Insurance, Surety Bonds, Workers Compensation Insurance, Workers Compensation Rating.

Construction work in a is showing signs of life in Nevada.   A quick drive around Las Vegas shows that residential construction is picking up, with new developments popping up in nearly all parts of the valley.  Even commercial construction, which has been stagnant for several years, is slowly showing signs of recovery.  With all that… Read more »

Affordable Nevada Business Insurance

| Blog, Business Insurance, General Liability Insurance, Workers Compensation Insurance, Workers Compensation Rating.

Nevada has a well deserved reputation for being business friendly.  We have relatively low taxes, especially compared to California.   Our regulatory environment is very pro-business.  And, finding affordable business insurance in Nevada is easy.   We have among the lowest workers compensation rates in the country.  Plus, the lack of natural disasters in Nevada makes our commercial… Read more »